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NAICS 424350, industry

NAICS 424350: Clothing and clothing accessories merchant wholesalers

NAICS 424350 is the industry code for clothing and clothing accessories merchant wholesalers. Use it on loan applications, tax forms and registrations. Lenders price it on the business's own numbers rather than an industry program.

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What 424350 covers

Wholesalers in this code sell clothing and accessories such as shirts, uniforms, outerwear, hats, ties and handbags to retailers and institutions. Many are importers or brands that design apparel and have it made by contractors.

Included in this code

  • Men's, women's and children's clothing wholesale
  • Uniforms and work clothing
  • Hats, gloves and accessories
  • Hosiery and underwear
  • Handbags and fashion accessories

Not this code

Businesses that use 424350

Apparel importerUniform distributorPromotional apparel wholesalerFashion brand selling to boutiques

Financing for this trade

Apparel wholesalers commonly use factoring, purchase order financing and import letters of credit, moving to asset based lines as they grow. Lenders weigh season risk, retailer chargebacks and inventory that ages fast.

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Is 424350 the right code for an apparel wholesaler?

Yes, if you sell clothing or accessories in bulk to retailers, schools, employers or online sellers, including apparel brands that outsource production. If you cut and sew garments in your own plant, use a 315 code. Shoe distributors use 424340, and retail clothing stores use 458110.

What is the SBA size standard for 424350?

The SBA size standard for 424350 is 150 employees. SBA counts the average number of people on payroll, full time, part time and temporary, over the last 24 months, and adds in any affiliates. An apparel wholesaler under that headcount counts as small for SBA 7(a) and 504 loans and for federal small business contracts, whatever its revenue.

Why is factoring so common for clothing wholesalers?

Department stores and chains pay on long terms and take chargebacks, so apparel companies sell invoices to factors who advance cash and often assume the retailer's credit risk. Purchase order financing covers production before goods ship. As volume grows, an asset based line can lower costs. Lenders review sell through, returns and customer concentration.

What does NAICS 424350 cover?

Clothing and clothing accessories merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 424 Merchant wholesalers, nondurable goods, 4243 Apparel, piece goods, and notions merchant wholesalers, 42435 Clothing and clothing accessories merchant wholesalers.

What financing do NAICS 424350 businesses use?

Term loans, lines of credit, SBA loans and working capital are the usual products. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 424350?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.